generated: '2026-07-20'
method: searched
source: >-
  Rabobank Australia Open Banking pages + CDR regime + live probe (no auth
  required on GET /banking/products). The harvested CDS OpenAPI declares no
  securitySchemes for the public PRD paths.
summary:
  types: [none, oauth2, openIdConnect]
  public_surface_auth: none
  authenticated_surface_auth: [oauth2, openIdConnect]
schemes:
- name: public-prd
  type: none
  applies_to:
  - openapi/rabobank-australia-cds-banking-products-openapi.yml#listBankingProducts
  - openapi/rabobank-australia-cds-banking-products-openapi.yml#getBankingProductDetail
  detail: >-
    Product Reference Data endpoints are public and unauthenticated by CDR
    design. Confirmed live: GET /banking/products succeeds with only the
    mandatory x-v header and no credentials.
- name: cdr-adr-oauth2-oidc-fapi
  type: oauth2
  scheme_detail: OpenID Connect Hybrid flow with FAPI 1.0 Advanced security profile, PAR, PKCE and mTLS-bound tokens.
  applies_to: authenticated CDR consumer data sharing (accounts, balances, transactions, payees, direct debits)
  detail: >-
    Not a self-serve public API. Authenticated CDR data sharing is available
    only to accredited data recipients (ADRs) under the Consumer Data Right,
    with Rabobank Australia acting as a registered data holder. Consent is
    obtained through the CDR OAuth2 / OpenID Connect (FAPI) authorization flow;
    access tokens are scoped to CDR banking scopes (bank:accounts.basic:read,
    bank:transactions:read, common:customer.basic:read, etc.).
docs: https://www.rabobank.com.au/support/open-banking